Four-Point Inspection
Many Florida insurance companies ask for a four-point inspection before they will write or renew a policy on an older home. It documents the age and condition of the four systems insurers care about most.
What's covered
What Chris looks at
- Roof: covering type, approximate age, condition and signs of leaks
- Electrical: panel brand and type, wiring type, condition and hazards
- Plumbing: supply and drain piping type, water heater age and condition, leaks
- HVAC: system age, condition and operation
- Photos of each system as insurers require
Who it's for
- Buyers of older homes who need insurance to close
- Owners switching or renewing a policy
- Anyone whose insurer has asked for one
Every inspection includes
- A licensed Florida home inspector, license HI10530
- Thermal imaging scan
- Report with photos the next day
- Direct answers from Chris, before and after
The details
Good to know before you book.
Why insurers ask for it
Roof, electrical, plumbing and HVAC failures drive a large share of homeowners claims. Each insurance company sets its own rules for which homes need a four-point and which conditions it will accept, so check with your agent about your carrier's requirements.
Four-point vs. full inspection
A four-point is a short, focused report for your insurer. It is not a full home inspection and won't cover the rest of the house. If you're buying, most people book both on the same visit.
Pair it with wind mitigation
A wind mitigation inspection can lower the windstorm part of your premium. Booking both together means one visit and both reports the next day.
Pricing depends on the property's size, age, type and the services you combine. Send a request for an exact quote.
Often booked together
Pair it on the same visit
Wind Mitigation Inspection
The state form that can unlock windstorm insurance discounts on your policy.
Learn more
Full Home Inspection
A top-to-bottom look at the home you're buying or selling, with thermal imaging and a next-day report.
Learn more
WDO / Termite Inspection
Termites and other wood-destroying organisms, reported on Florida's official form.
Learn moreSchedule an inspection
Ready when you are.
Tell Chris about the property and the date you need. He'll confirm the time with you directly, and your report arrives the next day.